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The Six Coverages of a Basic Automotive Policy

Having an automotive insurance is important, especially when you own a vehicle. Insurances such as Liberty Automotive Insurance has helped people to overcome these problems with different coverages. Here are the six total coverages that are offered by a basic automotive policy.

  1. Body Injuries

This applies to the driver, passengers, or policyholder that was caused by a third party. It is incredibly vital to have sufficient liability insurance, as in an event where you have caused a severe accident, you can be potentially sued for a large amount of money.

  1. Medical Bills / Personal Injury Protection (PIP)

The Personal Injury Protection gives coverage up to medical bills, lost wages, as well as the cost for replacement services normally done an injured individual during the car accident. This also includes funeral expenses.

  1. Property Damage

This policy will pay for the damages you may have accidentally cause to another person’s property. Other than cars, damage to buildings, street lights, or other construction that your car crashed into.

  1. Collision

This will pay for the damage that resulted in the collision with an object or someone else’s car, or even a car that has been flipped over. Also, the policy also covers damages that has been caused by untreated potholes.

  1. Comprehensive

Comprehensive policies reimburses you for any loss that was caused by theft or any damage that was not caused by a collision with another vehicle or structure, or by any form of natural disasters, missiles, vandalism, explosions, fire, or falling objects. The policy will reimburse you if your car windshield is damaged with cracks or has been shattered.

Uninsured and Underinsured Automotive Coverage

This policy will reimburse you, your family member, or the driver if either one of you were hit by a hit-and-run, or an uninsured driver. On the other hand, underinsured drivers coverages will only be put into place when a driver at fault does not have enough funds to pay for your losses.

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